Listened to Link's "self-humility". Claire chuckled.

He said, "What if they knew? Are you still afraid of competition?"

Link smiled and said, "I'm not as optimistic as you! I seem to have a lot of money, but they may be richer." "He does have money now, but it's just a drizzle of money relative to those banks.

Claire doesn't think so. He took a sip of his coffee before saying, "Link, the agricultural market doesn't have much room for money. You already have enough money. If someone else's money rushes in again. The whole farm system will be messed up. The federal government will not want to see that. ”

"So maybe I'll be the first to be hit. ”

"Nope. You stand on the high ground of technology. The federal government may favor someone else. But what it does has to be a fig leaf. You may be in a difficult position in the competition, but I believe you can win!"

"Hopefully!"

Although he was not too optimistic, Claire had some truth in what she said.

No country wants to see its agricultural system in disarray.

It doesn't matter what generation it is, no matter how developed the economy is. No country dares to abandon agriculture. On the contrary, as long as the climate permits, countries will try to ensure their own self-sufficiency in agricultural products as much as possible. It can be said that agriculture is the last reserve of the countries.

The United States can abandon even industry. But agriculture has been improving. Is it because the United States can't afford to buy food? The answer is no. They gave up industry but spared no effort to develop agriculture because if there were no industrial products, as long as the economy, infrastructure and technology were still there, the United States could be ruthless and gradually re-establish industry in a few years.

Not so with agriculture. At present, agriculture in most countries of the world can usually only meet its own needs, and the amount of exports is not very large. Food imports are susceptible to international changes, such as reduced food production or loss of import channels due to diplomatic relations.

If there is nothing to eat, a man will die in seven days. And seven days will never be able to establish agriculture. Seven days is even less likely to complete a military campaign to snatch enough food resources.

Therefore, any major country must ensure domestic food security. Otherwise, it would not be possible to become a great power in the true sense of the word.

He got down to business: "You go ahead and talk about your plans. ”

"Right now, your agricultural footprint is already in Texas and several nearby states, and we're going to build bank outlets in those states. Our initial goal is to establish sub-banks in some cities with a population of more than 200,000 and agricultural products. This may require the establishment of new banks in partnership with state capital. ”

and other capital partnerships, Claire mentioned before. Link didn't have a problem with that, but he was a little worried: "What if those capitals are against our business strategy?"

"So we have to have a controlling stake in those banks. It's okay to take investments from some companies, like yours. For example, the investment of Fren's company. With just a few more shareholders, we have an advantage in our shares. Those banks can raise capital through going public. In the early stage, it was mainly used to lend money to farmers as the main business. ”

This was also the main purpose of Link's bank. He certainly wouldn't object

"I think it's going to take at least three years to be done in the United States. So our second plan needs to be done in parallel. We need to open branches of the Bank of Ozette in the states. I think we can do one thing in two years: every city that is ranked within the 100th in the National Development Index should have more than one branch. Our branches can focus on savings, credit cards, and other businesses as personal businesses. Loans can also be made for businesses. Of course, you can also start a mortgage business. ”

Link hadn't had much of an idea of that before. Hearing Claire say this, he thought for a moment, and did not object, but said: "But I want to give priority to the development of agriculture." ”

"Of course!" Claire knew what Link was thinking. Ten birds in the forest is not as good as one bird in hand, first gain a firm foothold in agriculture, and then strategize others. That's a good strategy, and he agrees.

He continued: "Provided that the bank is well funded, we should continue to invest in some new entrepreneurs through your Hanse Investments. ”

"Venture capital?"

"No, it's a business investment. Only invest in companies that already see a promising future. While that would be a little less profitable, it would also be less risky. "They're banks, and if a bank doesn't lose a penny, it can affect a dollar of assets. If the VC loses money, the bank's debt balance sheet can become poor. "Venture capital has a higher earnings ratio, but it also has a greater risk. We can't afford to play. ”

Link was still pleased with his sobriety: "I'm glad you didn't say you put more money into Ozette Financial Investment. ”

Claire laughed, "Actually, I thought about strengthening Neil's capital, but he said he had enough money there. By the way, maybe I should call him up. He also has plans to talk to you. ”

"I'll talk to him later. Now let's figure out your plan first. What are you going to do this year and next?"

"Didn't you just say that? In three years, it will mainly be in line with the expansion of your agricultural territory. The overall five-year plan is to spread the bank's business across the United States. If possible, open up the market in North America. ”

"Okay, I'll see for myself. I'll get back to you next week. However, I fully agree with the proposal to open a subsidiary bank in Texas. ”

Claire smiled and said, "Okay, I'll start preparing right away." Well, I might be going to Texas to visit some people these days. Hopefully, they will finance the establishment of a bank. Of course, maybe you can't be lazy anymore. After all, you're the boss. ”

"Where I need to intervene, you tell me. I think I'll be free. Link said, holding the file bag. "I'll go down and talk to Neil. ”

"Good. Claire stood up and saw him off.

Link went downstairs to Neil's office. I found that the documents on Neil's desktop were piled up so high that they could block people in the papers. He didn't even notice when he opened the door and came in.

He knocked the door to get Neil's attention.

Neil looked up and saw that it was him, and said, "You're here." Sit. He said as he moved all the folders that stood in his way underground. "Would you like something to drink?"

"No, I just came down from Claire. He smiled as he looked at Neil's two stacks of tall papers. "You want to see these documents, and the company is so busy. ”

The corners of Neil's mouth curled slightly, and he shook his head and said, "Of course not." These are just the data we've collected before, as well as a record of my team's previous operations. There are some patterns that I need to be familiar with. ”

It turns out that this is the case, and it seems that the so-called "Wall Street Fox" on his head is not worn for no reason. Link asked again, "Can't you save it to your computer?"

"Nowadays, hacking technology exists on computers that are not secure. And it's also possible that the computer will be damaged. So we copy the data to several hard drives, and save a separate copy of the paper material. I prefer to look at paper documents. ”

"Hacking is really a vexing problem. Also, I prefer to read paper documents. That seems to make me more focused. Link said, placing the file bag he had taken from upstairs on his desk. "The last time you called me and said you wanted to talk to me about the company?"

"Yes. Neil took out an analysis report and handed it to him, saying. "From the information we have gathered, it shows: There is a possibility that the U.S. economy will see an optimistic correction. ”

"You're saying the U.S. economy is going to be better than expected?"

"Yes, since the United States used oil and heavy oil development technology to get Saudi Arabia to abandon its strategy of de-dollarization, the position of the dollar has temporarily stabilized. Following the last crude oil speculation, oil prices have been raised, allowing some capital to flow back to the United States, which has a certain effect on the domestic economy. Because of the decrease in the international dollar, the position of the dollar has been strengthened to a certain extent. This also gives a certain impetus to brokerages in the United States...... Therefore, we predict that the performance of brokers in the United States should be better than expected in the past year. ”

It's only when it comes to his specialty that Neil gushes: "...... We believe both manufacturing and agriculture will be affected by higher crude oil prices. Some high-tech industries will become investment targets for repatriated capital. ”

"So what?"

"I intend to invest the company's funds mainly in promising companies. Of course, it is to make medium to long-term investments. ”

The world of financial capital is changing rapidly. Link understands his plan, but doesn't know how he's going to implement it. And even if he knew, he wouldn't necessarily understand why.

Of course, he couldn't let Neil get his consent for every step of the plan. And Neil is also a well-known master on Wall Street, where does he go to someone stronger than Neil to analyze the rights and wrongs of Neil's operation for him?

He pondered for a moment and said, "You just do what you want." I have no opinion!"

"Good!" Neil added, with a slight smile. "Thank you!"

"Maybe it's time for me to say 'thank you.'" Link said with a smile. "Do you have anything else to do? If not, I have work to do. ”

"One more thing. Neil thought for a moment and said. "Teresa's case is also coming to an end. ”

"Yes? I haven't heard her say that. ”

"Really? Damn. Neil was stunned for a moment when he heard this. He didn't intend to elaborate. "Maybe it's better for her to know more about you. I just wanted to say. We might be able to work with Theresa's Thomas. ”

"You mean, to disperse the capital of the financial investment company?"

"Yes. From the case of Springs Pharmaceuticals. I think Theresa is pretty good at that. Maybe we can get the capital flowing in that way. One can make a profit, and our financial investment company can obtain some high-quality assets. ”

Link looked at him a little strangely and said, "Are you going to give up investing entirely speculatively?"

"Nope. I just don't think we need to invest too much capital in the stock market. Neil said with a twitch at the corner of his mouth. "You know, those people are probably still staring at me like hungry dogs. There aren't many investment targets available to me. It can only be stocks that they can't or won't operate. ”

When Link heard this, he smiled and said, "Then you can talk to Teresa." You've agreed on a plan, and I'll see it. By the way, are you still working on the GE stock plan?"

"Of course, but it's a little behind schedule. Neil recalled the statistical reports he had seen and said. "We've received about $800 million in shares. But our costs were also inflated to $18 per share. In my judgment, our final yield will be much lower than what we have previously determined. And we can't buy it too quickly. The cost will be higher and higher. ”